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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $311,424 | $142,409+118.7% | $119,634+160.3% | $134,545+131.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -5.96% | -12.46%+6.5pp | -14.98%+9.0pp | 418.37%-424.3pp |
| Employer contribution / active EE | $9,332 | $5,224+78.6% | $4,232+120.5% | $4,742+96.8% |
| Participant deferral / active EE | $9,067 | $6,468+40.2% | $5,601+61.9% | $6,401+41.6% |
| Admin fee / account holder | $15,160 | $13,594+11.5% | $10,329+46.8% | $11,431+32.6% |